Zot Insurance Agency
160 S University Dr, Suite E, Plantation, FL 33324
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Plantation households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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160 S University Dr, Suite E, Plantation, FL 33324
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Plantation residents.
Plantation home insurance averages $7,655/year. Learn how wind mitigation, flood zones, and hurricane coverage affect your rates plus ways to save money.
Homeowners insurance in Plantation costs approximately $7,655 per year on average, or about $638 per month. This is significantly higher than the national average due to Florida's hurricane risk, litigation costs, and rising construction expenses. Your actual premium will depend on factors like your home's age, roof condition, wind mitigation features, and coverage limits.
If your roof is 15 years or older, Florida law allows insurers to require an inspection proving your roof has at least 5 years of remaining useful life. If the inspection shows significant wear, your insurer may refuse to renew your policy, offer only actual cash value coverage instead of replacement cost, or require a full roof replacement. Some insurers will still cover older roofs if they have wind mitigation features like a secondary water resistance barrier.
A wind mitigation inspection examines specific features that make your home more hurricane-resistant, including roof shape, roof-to-wall connections, opening protection, and secondary water barriers. The inspection costs $75-150 and can unlock premium discounts of 10-20% or more depending on your home's features. Many homeowners discover they already have qualifying features that weren't documented, making this one of the best returns on investment for reducing insurance costs.
Yes, standard homeowners insurance does not cover flooding from storms, heavy rain, or storm surge. Flood insurance is a separate policy, and it became more important in Plantation after Broward County's flood maps were updated in July 2024, adding nearly 100,000 properties to special flood hazard areas. If you have a mortgage and your property is in a FEMA A or V flood zone, your lender will require flood insurance.
Florida residents who bundle home and auto insurance save an average of 15-25% on their combined premiums, with some homeowners saving over $1,300 annually. Different insurers offer varying bundle discounts—Allstate offers up to 25%, while State Farm and Progressive typically provide 19-23% discounts. Travelers offers one of the most affordable bundled options in Florida with annual premiums averaging around $3,064.
Yes, homes built after 2001 typically qualify for lower insurance premiums because they were constructed under Florida's updated building codes that require more hurricane-resistant features. These newer homes have stronger roof-to-wall connections, improved wind resistance, and other structural features that reduce the risk of hurricane damage, which translates directly into lower insurance costs compared to older properties in Plantation's established neighborhoods.
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